Personal Guarantee Insurance
for SBA acquisitions

It's a policy designed to help address your personal asset exposure — your home, savings, and investments — if the business you acquire with an SBA loan defaults on the debt. Instead of the lender pursuing your personal assets for the full deficiency, you're covered for a significant portion of your guarantee obligation.

The SBA requires a personal guarantee from owners with 20%+ equity. Personal Guarantee Insurance is a separate, private policy that protects your assets if that guarantee is called upon. It doesn't modify or replace the guarantee itself.

Pricing depends on your loan amount, the business you're acquiring, and your personal financial profile. Book a call with our team and we'll walk you through what to expect for your specific deal.

After your SBA lender has approved your loan. You'll apply to Ink using the same materials from your lending application, so there's no redundant paperwork. The earlier you engage after approval, the more seamlessly coverage fits into your closing timeline.

If your business can no longer meet its loan obligations, you notify Ink to begin the claims process. As business assets are applied toward the outstanding loan balance, there's often a gap between what's recovered and what you personally owe under your guarantee. That's where Ink steps in — your policy pays out up to the coverage limit you selected, helping protect your personal assets from the remaining balance.